Motorcycle Insurance in Ontario

Are you looking for motorcycle insurance coverage in Ontario?

If you’re an avid motorcycle rider in Ontario, there are lots of different roads waiting to be explored. If you feel like getting away from city streets, there are plenty of different routes to appreciate the stunning and diverse landscapes the province has to offer. You can head towards the winding roads dotted with lakes and surrounded by forests that unfold in the Haliburton Highlands. Or maybe you prefer to challenge the tight curves mixed with sweeping landscapes of cliffs, mountains and sandy beaches leading into crystal clear water, a little farther afield along the coast of Lake Superior. There are lookouts, pit stops and unforgettable scenery along every twist and turn. Depending on your mood, how far you want to go and how long your trip is, you’re definitely in store for some great riding.

No matter what road you decide to take, be confident you’re covered with the right kind of motorcycle insurance in Ontario.

What type of motorcycle insurance do you need in Ontario?

Mandatory motorcycle insurance coverage differs from one province to another in Canada, similar to car insurance. In Ontario, this is the mandatory protection required by law:

Third-Party Liability: Provides extra coverage in cases of injury and damage to others and their property resulting from a vehicle accident.
Direct Compensation: Damages to your motorcycle are covered to the extent which you’re not at fault.
Uninsured Automobile: Medical costs and damage are covered if an uninsured rider is at fault.
Accident Benefits: Provides coverage for you and your family if you are injured or killed in an automobile accident.

Are there enhanced motorcycle insurance options available in Ontario?

On top of the mandatory insurance coverage mandated in Ontario; you can also choose to increase your protection and benefits. These enhancements will increase your premium but will also offer you the best possible coverage in case you make a claim. The best way to find the right insurance that fits your needs is to speak with an advisor or get an online quote. Here are some options offered:

Collision or Upset Coverage: Damage to your motorcycle caused by a traffic collision with another vehicle or object.
Comprehensive Coverage: All other insured damage caused to your motorcycle (except collision or upset).
All Perils Coverage: The broadest level of coverage - combines Collision or Upset and Comprehensive coverage along with increased theft protection.
Specified Perils Coverage: Protects your motorcycle from certain risk such as losses caused by fire, floods, hail or theft.
Accident Forgiveness: Your vehicle insurance rates won’t go up at renewal as a result of your first at-fault or partially at-fault accident. *
Five Year Replacement Cost: Get the replacement value of your motorcycle, if it is lost due to theft or extreme damage, without depreciation.